Exploring the synergy of human-computer interaction in financial decision-making

Research Article
Open access

Exploring the synergy of human-computer interaction in financial decision-making

Yuxiao Ma 1*
  • 1 Taiyuan University of Technology    
  • *corresponding author tcymmi@hhu.edu.cn
Published on 23 February 2024 | https://doi.org/10.54254/2755-2721/42/20230697
ACE Vol.42
ISSN (Print): 2755-273X
ISSN (Online): 2755-2721
ISBN (Print): 978-1-83558-309-8
ISBN (Online): 978-1-83558-310-4

Abstract

With the rapid development of technology, the combination and complementarity of artificial intelligence (AI) and human expertise in finance is becoming increasingly important. This research focuses on the synergistic effect of human-computer interaction (HCI) in financial decision-making, analyzes the operation mode of financial decision-making, lists examples of the combination of related fields and artificial intelligence technology, and focuses on showing that human-computer interaction technology enhances user experience and benefits in financial activities. Ability to invest in performance. Emerging features such as personalized financial services, intuitive user interfaces, and real-time feedback can dramatically improve user experience, research shows. Integrating artificial intelligence and professional knowledge can improve investment performance, assist risk management and decision support. The study emphasizes the importance of human-computer complementarity and balance, which has important reference value for financial institutions to adjust plans, policy makers to modify laws and regulations, and researchers to improve user experience and enhance investment results.

Keywords:

Human-Computer Interaction, Financial Decision-Making, User Experience, Investment Performance

Ma,Y. (2024). Exploring the synergy of human-computer interaction in financial decision-making. Applied and Computational Engineering,42,111-121.
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References

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[2]. Hollender, N, Hofmann, C, Deneke, M, & Schmitz, B. (2010), Integrating cognitive load theory and concepts of human–computer interaction, Computers in human behavior, 26(6), 1278-1288.

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[18]. Jumani A K. (2021), Examining the Present and Future Integrated Role of Artificial Intelligence in the Business: A Survey Study on Corporate Sector, Journal of Computer and Communications, 9(1), 80.

[19]. Kuutti K. (1996), Activity theory as a potential framework for human-computer interaction research, Context and consciousness: Activity theory and human-computer interaction, 1744, 9-22.

[20]. Fischer G. (2001), User modeling in human–computer interaction, User modeling and user-adapted interaction, 11, 65-86.

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[25]. Dholakia U M, & Simon D H. (2020), The role of user experience in financial decision-making: Evidence from neurofinance, Journal of the Academy of Marketing Science, 48(6), 1091-1111.

[26]. Lusardi A, & Mitchell O S. (2020), Financial literacy and economic decision-making, Journal of Economic Literature, 58(1), 5-44.

[27]. Zeng Y,et al. (2021), Enhancing User Experience in Financial Decision-Making: A Systematic Review, Journal of Systems Science and Information, 9(3), 66-79.

[28]. Barber B M, & Odean T. (2011), All that glitters: The effect of attention and news on the buying behavior of individual and institutional investors, Review of Financial Studies, 21(2), 785-818.

[29]. Barber B M, & Odean T. (2019), Boys will be boys: gender, overconfidence, and common stock investment, The Quarterly Journal of Economics, 133(2), 1169-1213.

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[31]. Zheng M, A dynamic interface method based on mobile, Industrial Financial Technology Services (Shanghai) Co., Ltd.

[32]. Schoenmaker D, & Schramade W. (2018), Principles of sustainable finance, Oxford University Press.

[33]. O’Neill B C, Tebaldi C, Van Vuuren D. P, et al. (2016), The scenario model intercomparison project (ScenarioMIP) for CMIP6, Geoscientific Model Development, 9(9), 3461-3482.

[34]. Pak A, Adegboye O A, Adekunle A I, Rahman K M, McBryde E S, & Eisen D P. (2020), Economic consequences of the COVID-19 outbreak: the need for epidemic preparedness, Frontiers in public health, 8, 241.

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[36]. Bekaert G, Harvey C R, & Lundblad C. (2005), Does financial liberalization spur growth?, Journal of Financial economics, 77(1), 3-55.

[37]. Lépinay, V. A. (2015). Codes of finance: Engineering derivatives in a global bank. Princeton University Press.

[38]. Finnerty J D. (1988), Financial engineering in corporate finance: An overview, Financial management, 14-33.

[39]. Finnerty J D. (2007), Project financing: Asset-based financial engineering (Vol. 386), John Wiley & Sons.

[40]. Stone D, et al. (2005), User interface design and evaluation, Elsevier.

[41]. Punchoojit L, & Hongwarittorrn N. (2017), Usability studies on mobile user interface design patterns: a systematic literature review, Advances in Human-Computer Interaction, 2017.

[42]. Darejeh A, & Singh D. (2013), A review on user interface design principles to increase software usability for users with less computer literacy, Journal of computer science, 9(11), 1443.

[43]. Fogg B J, Cueller G, Danielson D. (2007), Motivating, influencing, and persuading users: An introduction to captology, The human-computer interaction handbook. CRC press, 159-172.

[44]. Speier C. (2006), The influence of information presentation formats on complex task decision-making performance, International journal of human-computer studies, 64(11), 1115-1131.

[45]. Kashef M, et al. (2021), Smart city as a smart service system: Human-computer interaction and smart city surveillance systems, Computers in Human Behavior, 124, 106923.

[46]. Faia R, et al. (2021), Portfolio optimization of electricity markets participation using forecasting error in risk formulation, International Journal of Electrical Power & Energy Systems, 129, 106739.

[47]. Consilvio A, et al. (2020), On applying machine learning and simulative approaches to railway asset management: The earthworks and track circuits case studies, Sustainability, 12(6), 2544.

[48]. Nguyen T T, Gordon-Brown L, Khosravi A, Creighton, D, Nahavandi S. (2014), Fuzzy portfolio allocation models through a new risk measure and fuzzy sharpe ratio, IEEE Transactions on Fuzzy Systems, 23(3), 656-676.

[49]. Kotsantonis S, Pinney C, Serafeim G. (2016), ESG integration in investment management: Myths and realities, Journal of Applied Corporate Finance, 28(2), 10-16.

[50]. Wei K D, Wermers R, Yao,T. (2015), Uncommon value: The characteristics and investment performance of contrarian funds, Management Science, 61(10), 2394-2414.

[51]. De Giovanni P, & Cariola, A. (2021), Process innovation through industry 4.0 technologies, lean practices and green supply chains, Research in Transportation Economics, 90, 100869.

[52]. Jacob R J.(1993), Eye movement-based human-computer interaction techniques: Toward non-command interfaces, Advances in human-computer interaction, 4, 151-190.

[53]. Shumanov M, & Johnson L. (2021), Making conversations with chatbots more personalized, Computers in Human Behavior, 117, 106627.

[54]. Blom J O, & Monk A F. (2003), Theory of personalization of appearance: Why users personalize their PCs and mobile phones, Human-computer interaction, 18(3), 193-228.

[55]. Lopatovska I, & Arapakis, I. (2011) Theories, methods and current research on emotions in library and information science, information retrieval and human–computer interaction, Information Processing & Management, 47(4), 575-592.

[56]. Moon Y, & Nass C. (1996), How “real” are computer personalities? Psychological responses to personality types in human-computer interaction, Communication research, 23(6), 651-674.

[57]. O’Brien H L, Cairns P, & Hall M. (2018), A practical approach to measuring user engagement with the refined user engagement scale (UES) and new UES short form, International Journal of Human-Computer Studies, 112, 28-39.

[58]. Peters D, Calvo R A, & Ryan R M. (2018), Designing for motivation, engagement and wellbeing in digital experience, Frontiers in psychology, 797.

[59]. Kim Y H, Kim D J, & Wachter K. (2013), A study of mobile user engagement (MoEN): Engagement motivations, perceived value, satisfaction, and continued engagement intention, Decision support systems, 56, 361-370.

[60]. Sundar S S, Bellur S, Oh J, Jia H, & Kim H S. (2016), Theoretical importance of contingency in human-computer interaction: Effects of message interactivity on user engagement, Communication Research, 43(5), 595-625.

[61]. Kim H B, Cho J, & Lee H. (2020) The effect of service quality of mobile banking on user satisfaction, trust, and loyalty, The International Journal of Bank Marketing.

[62]. Hollender N, Hofmann C, Deneke M, & Schmitz B. (2010), Integrating cognitive load theory and concepts of human–computer interaction, Computers in human behavior, 26(6), 1278-1288.

[63]. Rowe D W, Sibert J, Irwin D. (1998), Heart rate variability: Indicator of user state as an aid to human-computer interaction, Proceedings of the SIGCHI conference on Human factors in computing systems, 480-487

[64]. Ravi V, & Ravi V. (2015), A survey on opinion mining and sentiment analysis: tasks, approaches and applications, Knowledge-Based Systems, 89, 14-46.

[65]. Riva G (Ed.). (2005), Ambient intelligence: the evolution of technology, communication and cognition towards the future of human-computer interaction. IOS press, 293.

[66]. Zaharias P, & Poylymenakou A. (2009), Developing a usability evaluation method for e-learning applications: Beyond functional usability, Intl. Journal of Human–Computer Interaction, 25(1), 75-98.

[67]. Bahrammirzaee A. (2010), A comparative survey of artificial intelligence applications in finance: artificial neural networks, expert system and hybrid intelligent systems, Neural Computing and Applications, 19(8), 1165-1195.

[68]. Hudlicka E. (2003), To feel or not to feel: The role of affect in human–computer interaction, International journal of human-computer studies, 59(1-2), 1-32.

Cite this article

Ma,Y. (2024). Exploring the synergy of human-computer interaction in financial decision-making. Applied and Computational Engineering,42,111-121.

Data availability

The datasets used and/or analyzed during the current study will be available from the authors upon reasonable request.

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Volume title: Proceedings of the 2023 International Conference on Machine Learning and Automation

ISBN：978-1-83558-309-8(Print) / 978-1-83558-310-4(Online)
Editor：Mustafa İSTANBULLU
Conference website: https://2023.confmla.org/
Conference date: 18 October 2023
Series: Applied and Computational Engineering
Volume number: Vol.42
ISSN：2755-2721(Print) / 2755-273X(Online)

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References

[1]. Osman K. (2005), A decision support system for fuzzy multi-attribute selection of material handling equipments, Expert Systems with Applications, 29(2), 310-319.

[2]. Hollender, N, Hofmann, C, Deneke, M, & Schmitz, B. (2010), Integrating cognitive load theory and concepts of human–computer interaction, Computers in human behavior, 26(6), 1278-1288.

[3]. Shan P, & Lai X. (2019), Mesoscopic structure PFC∼2D model of soil rock mixture based on digital image, Journal of Visual Communication and Image Representation, 58, 407-415.

[4]. Zhu W. (2003), Research on Decision Support System Based on Data Warehouse [J], Electronic finance, 003(11), 49-51.

[5]. Yang S, & Ni Z. (2004), Machine Learning and Intelligent Decision Support System, Science Press, 254, 257-.

[6]. Sun X, & Sun T. (2018), Urban Visual Governance Based on Big Data: Assisted Decision-Making Model and Application, Journal of Public Administration, 15(2), 120-129.

[7]. Fan Q, & Da L. (2012), Decision support system based on virtual database, Chinese Management Science, 3, 62-67.

[8]. Wang D, Chen Y, Xu J. (2017), Knowledge Management of Web Financial Reporting in Human-Computer Interactive Perspective, Eurasia Journal of Mathematics, Science and Technology Education, 13(7), 3349-3373.

[9]. Zhang M, et al. (2012), A Survey on Human-Computer Interaction Technology for Financial Terminals, 2012 The Fifth International Conference on Intelligent Networks and Intelligent Systems, 2012, 174-177.

[10]. Niu X, & Wang B. (2020), Financial Shared Course Design Based on Human-Computer Interaction, Design, User Experience, and Usability. Case Studies in Public and Personal Interactive Systems: 9th International Conference, DUXU 2020, Held as Part of the 22nd HCI International Conference, HCII 2020, Copenhagen, Denmark, July 19–24, 2020, Proceedings, Part III, 12202, 493-505.

[11]. Chen H, & Ronald P. (1998), An analysis of personal financial literacy among college students, Financial Services Review, 7(2), 107-128.

[12]. Saba I, Kouser R, Sharif I. (2019), FinTech and Islamic Finance-Challenges and Opportunities, Review of Economics and Development Studies, 5(4), 581-890.

[13]. Bhat S, & Huang R. (2021), Big Data and AI Revolution in Precision Agriculture: Survey and Challenges, IEEE Access, 9, 110209-110222.

[14]. Munteanu C, Molyneaux H, Moncur W, Romero M, O’Donnell S, Vines, J. (2015), Situational ethics: Re-thinking approaches to formal ethics requirements for human-computer interaction, In Proceedings of the 33rd Annual ACM Conference on Human Factors in Computing Systems, 2015, 105-114.

[15]. Dix A, Roselli T, Sutinen E. (2006), E-learning and human-computer interaction: Exploring design synergies for more effective learning experiences, Journal of Educational Technology & Society, 9(4), 1-2.

[16]. Butz R, Schulz R, Hommersom A, van Eekelen M. (2022), Investigating the understandability of XAI methods for enhanced user experience: When Bayesian network users became detectives, Artificial Intelligence in Medicine, 134, 102438.

[17]. Ren J. (2021), Research on financial investment decision based on artificial intelligence algorithm, IEEE Sensors Journal, 21(22), 25190-25197.

[18]. Jumani A K. (2021), Examining the Present and Future Integrated Role of Artificial Intelligence in the Business: A Survey Study on Corporate Sector, Journal of Computer and Communications, 9(1), 80.

[19]. Kuutti K. (1996), Activity theory as a potential framework for human-computer interaction research, Context and consciousness: Activity theory and human-computer interaction, 1744, 9-22.

[20]. Fischer G. (2001), User modeling in human–computer interaction, User modeling and user-adapted interaction, 11, 65-86.

[21]. Campbell J Y. (2003), Household finance, The Journal of Finance, 58(4), 1553-1604.

[22]. Kahneman D, & Tversky A. (1979), Prospect theory: An analysis of decision under risk, Econometrica, 47(2), 263-291.

[23]. Barberis N, Shleifer A, Vishny R. (1998), A model of investor sentiment, Journal of Financial Economics, 9(3), 307-343.

[24]. Sharpe W F. (1964), Capital asset prices: A theory of market equilibrium under conditions of risk, The Journal of Finance, 19(3), 425-442.

[25]. Dholakia U M, & Simon D H. (2020), The role of user experience in financial decision-making: Evidence from neurofinance, Journal of the Academy of Marketing Science, 48(6), 1091-1111.

[26]. Lusardi A, & Mitchell O S. (2020), Financial literacy and economic decision-making, Journal of Economic Literature, 58(1), 5-44.

[27]. Zeng Y,et al. (2021), Enhancing User Experience in Financial Decision-Making: A Systematic Review, Journal of Systems Science and Information, 9(3), 66-79.

[28]. Barber B M, & Odean T. (2011), All that glitters: The effect of attention and news on the buying behavior of individual and institutional investors, Review of Financial Studies, 21(2), 785-818.

[29]. Barber B M, & Odean T. (2019), Boys will be boys: gender, overconfidence, and common stock investment, The Quarterly Journal of Economics, 133(2), 1169-1213.

[30]. Kahneman D, & Tversky A. (1979), Prospect theory: An analysis of decision under risk, Econometrica: Journal of the Econometric Society, 47(2), 263-291.

[31]. Zheng M, A dynamic interface method based on mobile, Industrial Financial Technology Services (Shanghai) Co., Ltd.

[32]. Schoenmaker D, & Schramade W. (2018), Principles of sustainable finance, Oxford University Press.

[33]. O’Neill B C, Tebaldi C, Van Vuuren D. P, et al. (2016), The scenario model intercomparison project (ScenarioMIP) for CMIP6, Geoscientific Model Development, 9(9), 3461-3482.

[34]. Pak A, Adegboye O A, Adekunle A I, Rahman K M, McBryde E S, & Eisen D P. (2020), Economic consequences of the COVID-19 outbreak: the need for epidemic preparedness, Frontiers in public health, 8, 241.

[35]. Bekaert G, & Harvey C R. (2003), Emerging markets finance, Journal of empirical finance, 10(1-2), 3-55.

[36]. Bekaert G, Harvey C R, & Lundblad C. (2005), Does financial liberalization spur growth?, Journal of Financial economics, 77(1), 3-55.

[37]. Lépinay, V. A. (2015). Codes of finance: Engineering derivatives in a global bank. Princeton University Press.

[38]. Finnerty J D. (1988), Financial engineering in corporate finance: An overview, Financial management, 14-33.

[39]. Finnerty J D. (2007), Project financing: Asset-based financial engineering (Vol. 386), John Wiley & Sons.

[40]. Stone D, et al. (2005), User interface design and evaluation, Elsevier.

[41]. Punchoojit L, & Hongwarittorrn N. (2017), Usability studies on mobile user interface design patterns: a systematic literature review, Advances in Human-Computer Interaction, 2017.

[42]. Darejeh A, & Singh D. (2013), A review on user interface design principles to increase software usability for users with less computer literacy, Journal of computer science, 9(11), 1443.

[43]. Fogg B J, Cueller G, Danielson D. (2007), Motivating, influencing, and persuading users: An introduction to captology, The human-computer interaction handbook. CRC press, 159-172.

[44]. Speier C. (2006), The influence of information presentation formats on complex task decision-making performance, International journal of human-computer studies, 64(11), 1115-1131.

[45]. Kashef M, et al. (2021), Smart city as a smart service system: Human-computer interaction and smart city surveillance systems, Computers in Human Behavior, 124, 106923.

[46]. Faia R, et al. (2021), Portfolio optimization of electricity markets participation using forecasting error in risk formulation, International Journal of Electrical Power & Energy Systems, 129, 106739.

[47]. Consilvio A, et al. (2020), On applying machine learning and simulative approaches to railway asset management: The earthworks and track circuits case studies, Sustainability, 12(6), 2544.

[48]. Nguyen T T, Gordon-Brown L, Khosravi A, Creighton, D, Nahavandi S. (2014), Fuzzy portfolio allocation models through a new risk measure and fuzzy sharpe ratio, IEEE Transactions on Fuzzy Systems, 23(3), 656-676.

[49]. Kotsantonis S, Pinney C, Serafeim G. (2016), ESG integration in investment management: Myths and realities, Journal of Applied Corporate Finance, 28(2), 10-16.

[50]. Wei K D, Wermers R, Yao,T. (2015), Uncommon value: The characteristics and investment performance of contrarian funds, Management Science, 61(10), 2394-2414.

[51]. De Giovanni P, & Cariola, A. (2021), Process innovation through industry 4.0 technologies, lean practices and green supply chains, Research in Transportation Economics, 90, 100869.

[52]. Jacob R J.(1993), Eye movement-based human-computer interaction techniques: Toward non-command interfaces, Advances in human-computer interaction, 4, 151-190.

[53]. Shumanov M, & Johnson L. (2021), Making conversations with chatbots more personalized, Computers in Human Behavior, 117, 106627.

[54]. Blom J O, & Monk A F. (2003), Theory of personalization of appearance: Why users personalize their PCs and mobile phones, Human-computer interaction, 18(3), 193-228.

[55]. Lopatovska I, & Arapakis, I. (2011) Theories, methods and current research on emotions in library and information science, information retrieval and human–computer interaction, Information Processing & Management, 47(4), 575-592.

[56]. Moon Y, & Nass C. (1996), How “real” are computer personalities? Psychological responses to personality types in human-computer interaction, Communication research, 23(6), 651-674.

[57]. O’Brien H L, Cairns P, & Hall M. (2018), A practical approach to measuring user engagement with the refined user engagement scale (UES) and new UES short form, International Journal of Human-Computer Studies, 112, 28-39.

[58]. Peters D, Calvo R A, & Ryan R M. (2018), Designing for motivation, engagement and wellbeing in digital experience, Frontiers in psychology, 797.

[59]. Kim Y H, Kim D J, & Wachter K. (2013), A study of mobile user engagement (MoEN): Engagement motivations, perceived value, satisfaction, and continued engagement intention, Decision support systems, 56, 361-370.

[60]. Sundar S S, Bellur S, Oh J, Jia H, & Kim H S. (2016), Theoretical importance of contingency in human-computer interaction: Effects of message interactivity on user engagement, Communication Research, 43(5), 595-625.

[61]. Kim H B, Cho J, & Lee H. (2020) The effect of service quality of mobile banking on user satisfaction, trust, and loyalty, The International Journal of Bank Marketing.

[62]. Hollender N, Hofmann C, Deneke M, & Schmitz B. (2010), Integrating cognitive load theory and concepts of human–computer interaction, Computers in human behavior, 26(6), 1278-1288.

[63]. Rowe D W, Sibert J, Irwin D. (1998), Heart rate variability: Indicator of user state as an aid to human-computer interaction, Proceedings of the SIGCHI conference on Human factors in computing systems, 480-487

[64]. Ravi V, & Ravi V. (2015), A survey on opinion mining and sentiment analysis: tasks, approaches and applications, Knowledge-Based Systems, 89, 14-46.

[65]. Riva G (Ed.). (2005), Ambient intelligence: the evolution of technology, communication and cognition towards the future of human-computer interaction. IOS press, 293.

[66]. Zaharias P, & Poylymenakou A. (2009), Developing a usability evaluation method for e-learning applications: Beyond functional usability, Intl. Journal of Human–Computer Interaction, 25(1), 75-98.

[67]. Bahrammirzaee A. (2010), A comparative survey of artificial intelligence applications in finance: artificial neural networks, expert system and hybrid intelligent systems, Neural Computing and Applications, 19(8), 1165-1195.

[68]. Hudlicka E. (2003), To feel or not to feel: The role of affect in human–computer interaction, International journal of human-computer studies, 59(1-2), 1-32.

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